Slide 1: Investor Presentation
Investor Presentation Q2 2026 NASDAQ: EZPW
Slide 2: Preliminary Statements
PRELIMINARY STATEMENTS FORWARD LOOKING STATEMENTS This presentation contains certain forward-looking statements. These statements are based on the company’s current expectations as to the outcome and timing of future events. All statements, other than statements of historical facts, that address act
Slide 3: EZCORP at a Glance
EZCORP AT A GLANCE COMPANY OVERVIEW WHERE WE OPERATE • Formed in 1989, EZCORP is a leading provider of pawn 1,506 624 638 155 20 transactions and seller of pre-owned and recycled STORES U.S.3 MEXICO GUATEMALA EL SALVADOR merchandise in the United States, Latin America and the 9,500 27 21 9 12 Caribb
Slide 4: Financial Highlights
EZCORP FINANCIAL HIGHLIGHTS —
Slide 5: Q2 FY26 Financial Highlights
Q2 FY26 FINANCIAL HIGHLIGHTS ($ millions, except per share amounts) TOTAL REVENUES PAWN LOANS OUTSTANDING $434.9 $342.1 $374.5 $307.5 $307.3 $336.8 $291.6 $311.0 $320.2 $261.7 $274.1 $274.8 $261.8 $295.7 $306.3 $281.4 Q3 FY24 Q3 FY25 Q4 FY24 Q4 FY25 Q1 FY25 Q1 FY26 Q2 FY25 Q2 FY26 Q3 FY24 Q3 FY25 Q4
Slide 6: Q2 FY26 Consolidated Growth
Q2 FY26 CONSOLIDATED GROWTH ($ millions) TOTAL REVENUES EBITDA $9.5 $11.1 $76.9 $25.3 $12.2 $434.9 $19.9 $39.9 $(7.4) $51.3 $43.8 $306.3 Q2 FY25 Same-Store Same-Store SMG EBITDA Other Q2 FY26 Q2 FY25 SMG Revenue Same-Store Same-Store Other New Q2 FY26 EBITDA Scrap Gross EBITDA (excl EBITDA Revenue S
Slide 7: Q2 FY26 U.S. Segment Overview
Q2 FY26 U.S. SEGMENT OVERVIEW STORE COUNT 559 STORES IN 19 STATES 559 542 545 529 515 MN OR 7 FY22 FY23 FY24 FY25 Q2 FY26 5 WI 3 IA PA NV 1 11 • On January 12, 2026, completed the previously announced acquisition of El Bufalo 29 IL IN UT Pawn, adding 12 stores in Texas 9 CO 20 14 31 TN - 14 AZ OK AR
Slide 8: Q2 FY26 U.S. Segment Highlights
Q2 FY26 U.S. SEGMENT HIGHLIGHTS ($ millions) TOTAL REVENUES PAWN LOANS OUTSTANDING $282.2 $233.8 $239.9 $230.5 $269.8 $221.1 $214.3 $220.2 $238.9 $232.2 $199.3 $199.4 $220.0 $212.0 $221.4 $199.1 Q3 FY24 Q3 FY25 Q4 FY24 Q4 FY25 Q1 FY25 Q1 FY26 Q2 FY25 Q2 FY26 Q3 FY24 Q3 FY25 Q4 FY24 Q4 FY25 Q1 FY25 Q
Slide 9: Q2 FY26 Latin America Segment Overview
Q2 FY26 LATIN AMERICA SEGMENT OVERVIEW STORE COUNT 840 STORES IN 4 COUNTRIES 815 840 702 737 660 FY22 FY23 FY24 FY25 Q2 FY26 • During the quarter opened 4 stores, including 2 in Guatemala, 1 in Mexico and 1 in Honduras • In April 2026, we acquired 32 stores in Guatemala AVERAGE LOAN SIZE (GAAP) $107
Slide 10: Q2 FY26 Latin America Highlights
Q2 FY26 LATIN AMERICA HIGHLIGHTS ($ millions) TOTAL REVENUES PAWN LOANS OUTSTANDING $79.0 $104.7 $101.4 $73.7 $97.9 $70.8 $91.0 $67.4 $88.0 $62.7 $62.9 $62.4 $82.4 $83.7 $84.9 $54.6 Q3 FY24 Q3 FY25 Q4 FY24 Q4 FY25 Q1 FY25 Q1 FY26 Q2 FY25 Q2 FY26 Q3 FY24 Q3 FY25 Q4 FY24 Q4 FY25 Q1 FY25 Q1 FY26 Q2 FY2
Slide 11: Q2 FY26 SMG Segment Overview & Highlights
Q2 FY26 SMG SEGMENT OVERVIEW & HIGHLIGHTS TRANSACTION OVERVIEW 107 STORES ACROSS 12 COUNTRIES Acquired controlling interest in Founders One on January 2, 2026 • EZCORP owns 87.7% of Founders, which controls SMG with 85.1% ownership (approx 75% effective economic interest) • Stores operating under "L
Slide 12: Appendix
EZCORP APPENDIX ———Srti‘i‘(C Ol
Slide 13: Record PLO & Revenues Drive Increased Earnings
RECORD PLO & REVENUES DRIVE INCREASED EARNINGS ($ millions, except per share amounts) Q2 GAAP %△ Q2 ADJUSTED %△ FY26 FY25 B/(W) FY26 FY25 B/(W) Pawn Loans Outstanding $349.4 $261.8 33% $342.1 $261.8 31% Total Revenues 446.9 306.3 46% 434.9 306.3 42% Gross Profit $260.0 $178.5 46% $253.4 $178.5 42% E
Slide 14: Definition of Terms
DEFINITION OF TERMS EBITDA Margin = EBITDA Core Pawn Revenues excluding scrap sales ───────── Revenues Total Revenue Core Pawn Gross profit excluding scrap gross profit Gross Profit GM General merchandise (non-jewelry) Inventory Turnover = [total cost of sales ÷ days in period] × 365 ───────────────
Slide 15: Financial Disclosures
FINANCIAL DISCLOSURES GAAP TO NON-GAAP RECONCILIATION In addition to the financial information prepared in conformity with U.S. generally accepted accounting principles (“GAAP”), we provide certain other financial information that is adjusted to exclude the impact of restructuring and restatement ch
Slide 16: GAAP to Non-GAAP Reconciliation Q2 – Consolidated
GAAP TO NON-GAAP RECONCILIATION Q2 – CONSOLIDATED* ($ millions, except per share amounts) FY26 FY25 Adjusted Constant Base Adjustments Adjusted Base Constant Base Adjustments Adjusted Base Currency Impact Currency Revenues $446.9 — $446.9 $(11.9) $434.9 $306.3 — $306.3 PSC Revenues 151.1 — 151.1 (3.
Slide 17: GAAP to Non-GAAP Reconciliation Q2 – U.S. Segment
GAAP TO NON-GAAP RECONCILIATION Q2 – U.S. SEGMENT* ($ millions) FY26 FY25 Adjusted Base Adjustments Adjusted Base Constant Constant Base Adjustments Adjusted Base Currency Impact Currency Revenues $282.2 $— $282.2 $— $282.2 $221.4 $— $221.4 PSC Revenues 98.8 — 98.8 — 98.8 87.5 — 87.5 Merchandise Gro
Slide 18: GAAP to Non-GAAP Reconciliation Q2 – Latin America Segment
GAAP TO NON-GAAP RECONCILIATION Q2 – LATIN AMERICA SEGMENT* ($ millions) FY26 FY25 Adjusted Constant Base Adjustments Adjusted Base Constant Base Adjustments Adjusted Base Currency Impact Currency Revenues $113.4 $— $113.4 $(11.9) $101.4 $84.9 $— $84.9 PSC Revenues 38.0 — 38.0 (3.8) 34.2 28.3 — 28.3
Slide 19: GAAP to Non-GAAP Reconciliation Q2 – SMG
GAAP TO NON-GAAP RECONCILIATION Q2 – SMG* ($ millions) FY26 Constant Currency Adjusted Constant Base Adjustments Adjusted Base Impact Currency Revenues $51.3 $— $51.3 $— $51.3 PSC Revenues 14.4 — 14.4 — 14.4 Merchandise Gross Profit 5.9 — 5.9 — 5.9 Merchandise Margin 33% —% 33% —% 33% Scrap Gross Pr
Slide 20: Consolidated Growth FY24-FY26 Reconciliation
CONSOLIDATED GROWTH FY24-FY26 RECONCILIATION* ($ millions) FY24 FY24 FY24 FY24 FY25 FY25 FY25 FY25 FY26 FY26 FY24 FY25 Q1 Q2 Q3 Q4 Q1 Q2 Q3 Q4 Q1 Q2 Continuing Ops PBT $37.7 $28.7 $23.0 $26.3 $115.6 $41.4 $34.4 $34.7 $36.3 $146.8 $59.2 $65.5 Add Back Net Interest 0.8 0.5 0.6 1.1 3.0 1.1 1.4 3.0 2.8
Slide 21: U.S. Pawn Businesses FY24-FY26 Reconciliation
U.S. PAWN BUSINESSES FY24-FY26 RECONCILIATION* ($ millions) FY24 FY24 FY24 FY24 FY25 FY25 FY25 FY25 FY26 FY26 FY24 FY25 U.S. Pawn Segment Q1 Q2 Q3 Q4 Q1 Q2 Q3 Q4 Q1 Q2 Profit before taxes $49.4 $42.5 $37.9 $43.9 $173.7 $54.5 $49.0 $49.6 $54.5 $207.5 $70.7 $78.1 Add back D&A 2.6 2.5 2.4 2.6 10.1 2.7
Slide 22: Latin America Pawn Businesses FY24-FY26 Reconciliation
LATIN AMERICA PAWN BUSINESSES FY24-FY26 RECONCILIATION* ($ millions) FY24 FY24 FY24 FY24 FY25 FY25 FY25 FY25 FY26 FY26 FY24 FY25 Latin America Segment Q1 Q2 Q3 Q4 Q1 Q2 Q3 Q4 Q1 Q2 Profit before taxes $13.9 $11.1 $14.0 $14.0 $52.9 $15.3 $13.9 $15.9 $15.8 $61.0 $20.1 $19.1 Add back D&A 2.1 2.1 2.1 2.
Slide 23: Recast of Store Expenses to G&A
RECAST OF STORE EXPENSES TO G&A ($ millions) Consolidated U.S. Segment Latin America Segment Q2 FY25 Q2 FY25 Q2 FY25 Latin America Consolidated U.S. Segment Segment Adjusted, Difference Adjusted, Difference Adjusted, Difference Previously Previously Previously Reported Recast Reported Recast Reporte
Slide 24: Illustrative Pawn Transaction Cycle
ILLUSTRATIVE PAWN TRANSACTION CYCLE Typical Transaction Customer Brings Personal Asset to Asset Type Gold Chain Pawn Store Value assessed $400 Loan to Value 40% to 65% Purchase Pawn Loan (Company Buys (Collateralized with Loan Term 30 to 90 days Asset) Asset) Loan amount $200 Pawn Loan/Purchase 85%/
Slide 25: Thank You
THANK YOU Website Investors.ezcorp.com Email Investor_relations@ezcorp.com Phone Number 512.314.2220 Address 2500 Bee Cave Rd., Bldg. 1, Suite 200, Austin, TX 78746 Social Media LinkedIn: EZCORP Instagram: @ezcorp_official, @ezpawnofficial, @valuepawnofficial Facebook: @ezpawn, @valuepawn TikTok: @o